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Question: Chapter 13 bankruptcy and property?

Can someone help me? I am considering filing Chapter 13. I have an idea on the difference between Chapter 7 and Chapter 13. I basically have two concerns.
1. If I start to file for Chapter 13, whether I get approved by the courts or not, will that keep creditors from pursuing legal action to garnish wages and/or put a lien on my home? Can they continue to try and pursue legal action to collect during the filing process before it is approved by the courts?
2. I am in foreclosure with my home but currently working with lender for either a repayment plan or loan modification to stop foreclosure. Foreclosure process stops once payment option worked out. Do I have to declare my home when filing Chapter 13? Will I lose my home? I don't plan on doing anything until I know what the mortgage company says. Declaring bankruptcy before I finish the work out program with lender will continue foreclosure process. I'll lose my home for sure.

Answer: A Chapter is 13 is for you to work with creditors and develope a payment plan. A Chapter 7 is to desolve your debt.
If you file notify your creditors when they call that you have filed and to speak to your attorney. He can direct them.
Om Chapter 13 you don't lose your house because you are working on a payment plan.
On Chapter 7 you can elect to keep your house if you can get somethig worked out with your mortgage company.

Hope this helps

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